Around the World Travel insurance (Around The World)

Covers medically necessary emergency treatment abroad (outpatient consultations, prescribed medications, diagnostic imaging, hospitalisation, emergency surgery) arising from illness or accident during travel. Maximum 30,000 EUR per insured per insurance year.

Covers emergency medical assistance including ambulance transport to the nearest hospital or physician, emergency diagnosis and medical consultations, within the overall medical treatment limit of 30,000 EUR per insured per year.

Hospitalisation costs are included within the overall medical treatment limit of 30,000 EUR per insured per year. No separate sub-limit is stated in the T&C or product page for hospitalisation alone; it falls under the general medical expenses cap.

Outpatient treatment is explicitly included (medical consultations, prescribed medications, auxiliary medical materials, radiological diagnostics) within the general 30,000 EUR medical expenses limit. No separate sub-limit stated.

Emergency dental treatment (acute pain relief, abscess, emergency extractions) is covered up to a limit specified in the individual policy. The T&C states the limit is set in the policy schedule; no specific EUR amount is published in the T&C text or official product page for this product.

Covers costs of authorised rescue/ambulance transport to the nearest hospital or medical unit, and transfer costs to a specialist medical facility if medically necessary and prescribed by a physician. Limit as specified in the policy schedule.

Covers medical repatriation of the insured from abroad to the nearest Romanian hospital or to their home, when medically necessary and approved by the assistance provider's physician, including escort of a medical companion if recommended. Limit as specified in policy schedule.

Covers transport of the insured's mortal remains from abroad to Romania (place of burial), including COVID-19 related deaths. Excludes funeral and burial costs. Excludes cases where death resulted from travel for a chronic/pre-existing surgical treatment. Limit as specified in policy schedule.

The T&C and product page do not mention a standalone search and rescue benefit. Emergency transport by authorised rescue services to the nearest hospital is covered under medical assistance (Art. 4.3.1), but a separate search-and-rescue cover is not referenced.

COVID-19 illness contracted during travel is covered under the same conditions and limits as regular medical expenses. Coverage includes COVID-19 repatriation, mandatory quarantine costs when diagnosed abroad, and trip cancellation/interruption due to COVID-19 illness or COVID-19 quarantine. Events occurring in countries where an epidemic/pandemic was already declared before the insured's entry are generally excluded, but COVID-19 is explicitly excepted from this exclusion.

Pre-existing conditions, chronic diseases, and their consequences are generally excluded. Exception: acute exacerbations of chronic conditions recorded in the insured's medical history that require emergency life-saving measures or measures aimed solely at relieving acute pain are covered up to a sub-limit of 1,000 EUR.

Recreational skiing and snowboarding on designated, prepared slopes are explicitly listed as covered recreational sports (sporturi de agrement) in the base policy. Skiing off-piste, in unauthorised locations, or at competition level requires the optional Extreme Sports clause. Covered within the general medical limit.

An optional supplementary clause ('Clauza Sporturi Extreme') extends coverage to high-risk activities such as mountaineering (up to 4,500 m), bungee jumping, paragliding, skydiving, scuba diving, rafting, BASE jumping, motorsports, and many others. Also covers avalanche accidents during winter sports. Requires additional premium payment. Not included in the base policy.

Routine pregnancy care, terminations, premature births, and fertility treatments are generally excluded. Exception: acute complications arising during pregnancy are covered for medical measures aimed solely at saving the life of the mother and/or child, provided the pregnancy has not exceeded 30 weeks of gestation. No separate monetary limit stated for this sub-coverage.

Covers legal defence costs and civil liability arising from accidental bodily injury or death of a third party (not a family member, companion or employee) or material damage to property not owned or controlled by the insured. Maximum 5,000 EUR per insured event and in aggregate per insurance year. Excludes: liability towards family members, contractual liability, damage to insured's own property, intentional acts, and use of vehicles/aircraft/watercraft.

A standalone legal assistance benefit is not mentioned in the T&C or product page. Legal defence costs are covered only as part of the civil liability section (Art. 4.6), not as a separate legal assistance coverage.